Siau and Shen [47] divided mobile user trust into two categories: initial trust and continuous trust. Factors related to mobile vendor and technology are proposed to affect mobile trust. Mobile user trust has been examined in the contexts of mobile payment [6], mobile banking [25, 36], and mobile transactions [31]. The determinants of mobile user trust include structural assurance, relative benefits [25], design esthetics [33], interactivity [31], and perceived reputation [6].

Trust reflects a willingness to be in vulnerability based on the positive expectation toward another party’s future behavior [40]. Trust often includes three beliefs: ability, integrity, and benevolence. Ability means that mobile service providers have necessary knowledge and skills to fulfill their tasks. Integrity means that mobile service providers keep their promises and do not deceive users. Benevolence means that mobile service providers keep users’ interests in mind, not just their own benefits